Community Reinvestment Act CRA Investigator

Northwest Bank
US - Pennsylvania - Warren
November 18, 2024

Description

The Community Reinvestment Investigator is responsible to implement the Bank's Community Reinvestment Act Program as designed by the CRA Officer, and to coordinate Community Reinvestment activities throughout the regional areas of responsibility. The Community Reinvestment Investigatory is also responsible to understand various regulations; Community Reinvestment Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act, Service members Civil Relief Act, Truth in Lending and Unfair Deceptive Abusive Acts or Practices.

This role can be based in Warren, PA; Columbus, OH; Bellevue, PA; Independence, OH; Fishers, IN; or State College, PA. Other locations across our footprint may also be considered.

ESSENTIAL FUNCTIONS:

Develop relationships with community organizations, and with commercial lenders to improve community development lending
Manage day to day interactions and relationships with business units
Work with appropriate members of management regarding regulatory compliance
Prepare reports for CRA Officer to monitor the Bank's current level of CRA performance, including grants, low to moderate income lending performance, consumer complaints regarding CRA activities, and analyze reports regarding the Bank's CRA requirements
Assist in management of CRA performance examinations with regulators
Ensure document and data integrity
Prepare management reports
Develop tools and processes that enhance compliance efficiency, and maps and identifying penetration of Bank's lending portfolio
Ensure compliance within subsidiaries and affiliates
Identify and resolve compliance issues
Communicate guidance to appropriate business units
Plan and schedule regular monitoring reviews
Coordinate and assure training initiatives meet goals
Track ongoing projects to include deliverables and milestones
Perform annual self-assessment performance reports
Analyze performance reports to enhance CRA performance
Work with Testing and Training Compliance Manager and Business Unit Compliance Specialist to implement and complete risk assessments
Attend compliance training events to stay current with regulations
Identify risk and test controls designed to minimize risks
Communicate results to Compliance Department, Business Unit Compliance Specialist, and Business Unit Management
Research and improve report data
Recommend improvements to procedures
Maximize technology tools available, and benefits to Bank
Minimize departmental non-payroll costs and risk
Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
Work as part of a team
Work with on-site equipment

KNOWLEDGE, SKILLS, AND ABILITIES:

Ability to establish effective working relationships among team members and participate in solving problems and making decisions
Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written
Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information
Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information
Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas
Strong Retail Lending background
Awareness of Commercial Lending
Ability to interpret compliance regulations and apply them to business requirements and workflows

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

Bachelor's Degree in business management preferred or equivalent on the job training preferred

Work Experience:

5 - 6 years community banking experience preferred
Strong sales and customer service experience preferred

Licenses/Certifications:

CRCM certification or professional equivalent required
- If an individual has 3+ years of experience within a compliance role within the Company when being placed in this position, he or she will have 3 months to acquire their CRCM certification
- New hires or individuals with less than 3 years of experience will have up to 39 months within a compliance role within the Company to acquire their CRCM certification

#LI-RM1

Qualifications
Licenses & Certifications CRCM (required)

Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Read the full job description and apply online on the recuiter's web-site

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